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Educational notes for homeowners. Not an insurer, not an agent, and not advice about your policy.

CO · NAIC WESTERN ZONE

Colorado homeowners insurance non-renewal notice requirements

Wildfire and hail. Colorado’s 2022 HO-3 average, $2,079, ranked fifth in the Triple-I table.

NOTICE RULE

60 days, with the reason

C.R.S. § 10-4-110.7(3)

An insurer may not cancel or refuse to renew a homeowners policy unless it mails notice by first-class mail to the named insured, at the last address in its records, at least 60 days in advance. The notice must state the specific reasons. Cancellation for nonpayment is a 10-day notice with the reasons. House Bill 23-1174 changed the advance notice from 30 days to 60. House Bill 25-1205 says the Colorado FAIR plan association must comply with § 10-4-110.7, so the same notice rule is written into the plan’s duties.

Read the statute · NAIC department directory

2022 HO-3 AVERAGE

$2,079

Rank 5 in the Triple-I table of NAIC data. Not a 2026 price. The U.S. figure was $1,569.

2024 WESTERN ZONE

$1,600

Average premium per policy in the NAIC MCAS study. Company data are confidential, so this is not a Colorado average.

ZONE NONRENEWALS

25.1 per 1,000 policies in 2024, the highest zone rate

The rate per 1,000 policies rose from 8.0 in 2022 to 25.1 in 2024. The full 2018–2024 percent change is inside the report’s 96% to 216% range and is not given as its own figure in the summary..

Premium trend

From 2018 to 2024, inflation-adjusted premium per policy in the Western zone: 43.3% after inflation, the high end of the four zones. Nominal average premium per policy rose 74% from 2018 to 2024 in the Western zone, before the inflation adjustment. The 2024 average was $1,600.

The countrywide 2024 book was about $1,600 per policy across 103.3 million policies. Localized ZIP codes move faster than the zone. A March 2026 NAIC data call is collecting ZIP-level detail that this page does not have yet.

[22][19][21]

Insurer of last resort

Needs verificationColorado FAIR Plan Association. House Bill 25-1205 describes the FAIR plan association as a nonprofit unincorporated legal entity that provides property coverage when it is not available from admitted companies. Member insurers must participate. Colorado is not in the PIPSO fiscal-year 2024 policy-count table republished by Triple-I, so a current policy count needs verification. [11][22]

Where to complain

Colorado Division of Insurance takes complaints about notices, cancellations, and claim handling.Colorado Division of Insurance If the site has moved, start from the NAIC directory. Department web addresses were not all re-checked on this review beyond the link above. Needs verification if the link fails.

What to do with the notice

  1. Find three dates: the date the notice was mailed, the date the policy expires, and the date the company says coverage ends.
  2. Read the reason. “Underwriting reasons,” with nothing under it, is not an explanation you can appeal or fix.
  3. Decide which letter you have. A nonrenewal, a mid-term cancellation, and a renewal that cuts coverage or raises the price are different notices, and states time them differently.
  4. Keep paying the current policy until a new one is bound. A gap can put a mortgage into force-placed insurance, which protects the lender first.
  5. Ask the company, in writing, for the declarations page, the replacement-cost estimate, and which rating factors changed.
  6. If a mortgage company is on the policy, tell them you are replacing coverage before the old policy ends.
  7. Shop admitted insurers. If you cannot find one, use the residual-market note on your state page. A FAIR plan or Citizens policy is often narrower than the policy you had.
  8. Compare deductibles before you accept a lower premium. A percentage hurricane or wind deductible is a share of the dwelling limit, not a flat $1,000.
  9. If the notice looks late or states no real reason, complain to the state insurance department and keep the envelope or the electronic-delivery record.
  10. Ask about a mitigation credit only where the company will put the discount in writing: a new roof, opening protection, or defensible space, depending on the peril.

Insurers people search in Colorado

Questions people type

How many days’ notice does Colorado require before a homeowners non-renewal?

60 days, with the reason. C.R.S. § 10-4-110.7(3) An insurer may not cancel or refuse to renew a homeowners policy unless it mails notice by first-class mail to the named insured, at the last address in its records, at least 60 days in advance. The notice must state the specific reasons. Cancellation for nonpayment is a 10-day notice with the reasons. House Bill 23-1174 changed the advance notice from 30 days to 60. House Bill 25-1205 says the Colorado FAIR plan association must comply with § 10-4-110.7, so the same notice rule is written into the plan’s duties. [9][10][11]

What is the average homeowners premium trend in Colorado?

The 2022 HO-3 average republished by Triple-I from NAIC data was $2,079 in Colorado, rank 5. That is not a 2026 price. Colorado is in the NAIC Western zone, where the 2024 average premium per policy in the MCAS study was $1,600. Nominal average premium per policy rose 74% from 2018 to 2024 in the Western zone, before the inflation adjustment. The 2024 average was $1,600. [22][19][21]

What if I cannot find another homeowners insurer in Colorado?

Needs verificationColorado FAIR Plan Association: House Bill 25-1205 describes the FAIR plan association as a nonprofit unincorporated legal entity that provides property coverage when it is not available from admitted companies. Member insurers must participate. Colorado is not in the PIPSO fiscal-year 2024 policy-count table republished by Triple-I, so a current policy count needs verification. File a complaint or ask for help through Colorado Division of Insurance. If that site has moved, use the NAIC department directory. [11][22][27]

Sources reviewed 2026-10-14

Open the document. The sentence above is only as current as that reading.

  1. [9] C.R.S. § 10-4-110.7. Colorado Revised Statutes (Justia 2025 codification). Reviewed 2026-10-14. https://law.justia.com/codes/colorado/title-10/property-and-casualty-insurance/article-4/part-1/section-10-4-110-7/
  2. [10] House Bill 23-1174 (signed), 30-day notice raised to 60. Colorado General Assembly. Reviewed 2026-10-14. https://content.leg.colorado.gov/sites/default/files/2023a_1174_signed.pdf
  3. [11] House Bill 25-1205 (signed), FAIR plan association. Colorado General Assembly. Reviewed 2026-10-14. https://content.leg.colorado.gov/sites/default/files/2025a_1205_signed.pdf
  4. [19] Examining Homeowner Property Insurance Market Dynamics, 2018–2024 (31 July 2026). NAIC Center for Insurance Policy and Research. Reviewed 2026-10-14. https://content.naic.org/sites/default/files/mcas-homeowners-property-insurance-market-dynamics-report.pdf
  5. [21] NAIC members by zone. National Association of Insurance Commissioners. Reviewed 2026-10-14. https://content.naic.org/membership-report/members-zone
  6. [22] Facts + statistics: homeowners and renters insurance. Insurance Information Institute (Triple-I). Reviewed 2026-10-14. https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance
  7. [26] SERFF Filing Access. NAIC. Reviewed 2026-10-14. https://filingaccess.serff.com/sfa/home/
  8. [27] State insurance department directory. National Association of Insurance Commissioners. Reviewed 2026-10-14. https://content.naic.org/state-insurance-departments